Are your valuables covered?

I have a number of original paintings and antiques. At most, individual items are worth about £750. Do I need to declare them separately on my insurance, or will an ordinary contents policy cover them? NG, Newcastle under Lyme.

Lucy Butler at the Association of British Insurers says: It depends on the policy.

There is no standard value used throughout the industry above which an item has to be declared. It varies according to the insurer and the kind of household policy you have. You will need to check the policy terms and conditions.

If your valuables are worth more than the limit set by the policy for individual items then you should declare them separately. This may affect the premium you pay. If you are not sure, call your insurer for advice.